Institution Statistics
| UGI EMPLOYEES | | NCUA # | 12020 | | BankRate Report | View | | Year Chartered | 1957 | | Employees | 6 | | Primary Regulator | |
Assets and Liabilities | | Assets | $21.52 million | | Loans | $11.18 million | | Deposits | $19.93 million | | Equity Capital | $1.52 million | | Loan Loss Allowance | $172,000 | | Unbacked Noncurrent Loans | $18,000 |
Historic Data - December 2010 | | Assets | $21.73 million | | Equity Capital | $1.69 million | | Loan Loss Allowance | $213,000 | | Unbacked Noncurrent Loans | $116,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.2% | | Return on Assets | -0.78% | | Return on Equity | -11.07% | | Interest Income | $918,000 | | Non-Interest Income | $190,000 |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 ClearChoice FCU had $18,000 in non-current loans and owned real-estate with $1.69 million in equity and loan loss allowances on hand to cover it. This gives ClearChoice FCU a Texas Ratio of 1.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for ClearChoice FCU decreased significantly from 6.11% as of December 31, 2010 to 1.07% as of December 31, 2011, resulting in a positive change of 82.56%.This indicates that the balance sheet and financial strength for ClearChoice FCU has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, ClearChoice FCU has decreased its total deposits by $-63,000, resulting in -0.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth ClearChoice FCU has shown is average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. ClearChoice FCU has $21.52 million in assets with $1.69 million in equity, resulting in a capitalization level of 7.85%, which is below average. |
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